Side-by-side · Q2 2026 data
Byron Bank vs Municipal Trust and Savings Bank
Metric by metric
| Measure | Byron Bank | Municipal Trust and Savings Bank |
|---|---|---|
| TellerScore | 69 | 95 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 57 | 99 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 74 (stronger) | 67 |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 40th | 99th |
| Total assets | $384.4M | $382.2M |
| Deposits / shares | $338.1M | $305.7M |
| Capital ratio | 10.23% | 15.56% (stronger) |
| Problem loans | 1.28% | 0.04% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.07% | 2.96% (stronger) |
| Loans ÷ deposits | 74.5% (stronger) | 84.3% |
| Uninsured deposits | 25.3% | 22.6% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 5.1% |
Municipal Trust and Savings Bank has the higher TellerScore (95 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Byron Bank leads on 1 and Municipal Trust and Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.